An SR-22 is a form that certifies the insurance coverage includes bodily injury liability (BIL) and property damage liability (PDL). An SR-22 is required for three years as the result of a Point Suspension, Habitual Traffic Revocation, Judgement involving a crash, or if you were the owner or operator of a vehicle that was involved in a crash and someone incurred injuries and you were not insured with BIL coverage at the time.